BlastPoint's Banking Scorecard
Grove Bank & Trust
Designations: ✓ Community bank
Miami, FL
5 branches across FL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 24 in FL.
- Deposits -0.6% year over year ($1.2B on the books).
- Delinquency rate 0.01%.
- Return on assets 0.68%.
- Efficiency ratio 73.40% vs a 59.73% peer average.
- Loan-to-deposit ratio 70.77% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Grove Bank & Trust has 2 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.86% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1.0% in tier
- - Flatlined Growth: Bottom 8.6% in tier
- - Credit Risk Growth: Bottom 49.8% in tier
- - Net Interest Margin 1.21% below tier average
- - ROA 0.71% below tier average
- - Efficiency Ratio 13.68% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
-0.5% YoY
+0.3% QoQ
|
-$1.4B |
$2.8B
-0.6% YoY
|
$4.3B
+7.0% YoY
|
$6.3B
+7.7% YoY
|
30% |
| Total Loans ? |
$853.8M
+11.4% YoY
+4.3% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$3.0B
+8.2% YoY
|
$3.2B
+9.4% YoY
|
18% |
| Total Deposits ? |
$1.2B
-0.6% YoY
+2.3% QoQ
|
-$1.1B |
$2.3B
-0.5% YoY
|
$3.5B
+7.0% YoY
|
$4.9B
+7.3% YoY
|
31% |
| Return on Assets ? |
0.68%
+61.5% YoY
-2.4% QoQ
|
-0.71% |
1.39%
+17.0% YoY
|
0.62%
-8.3% YoY
|
1.30%
+12.1% YoY
|
Bottom 12.9% in tier |
| Net Interest Margin ? |
2.66%
+11.6% YoY
+0.1% QoQ
|
-1.21% |
3.87%
+6.2% YoY
|
3.70%
+0.5% YoY
|
3.95%
+4.9% YoY
|
Bottom 6.3% in tier |
| Efficiency Ratio ? |
73.40%
-6.9% YoY
-0.2% QoQ
|
+13.68% |
59.73%
-12.6% YoY
|
199.20%
+161.3% YoY
|
70.05%
+2.5% YoY
|
15% |
| Delinquency Rate ? | 0.01% | -0.86% |
0.87%
+11.7% YoY
|
0.61%
-2.0% YoY
|
0.98%
+16.3% YoY
|
Top 4.0% in tier |
| Loan-to-Deposit Ratio ? |
70.77%
+12.0% YoY
+2.0% QoQ
|
-14.26% |
85.04%
-0.1% YoY
|
72.91%
-1.7% YoY
|
79.03%
+2.3% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
23.25%
+2.2% YoY
-1.4% QoQ
|
+1.98% |
21.27%
-1.5% YoY
|
27.35%
-2.5% YoY
|
21.98%
-0.6% YoY
|
65% |
| Nonperforming Asset Ratio ? | 0.01% | -0.67% |
0.67%
+11.7% YoY
|
0.42%
-2.6% YoY
|
0.69%
+15.8% YoY
|
Top 3.7% in tier |
| Tier 1 Capital Ratio ? |
15.22%
+2.3% YoY
-2.6% QoQ
|
+0.37% |
14.84%
-0.4% YoY
|
19.50%
+8.2% YoY
|
17.09%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.46%
+18.3% YoY
+100.2% QoQ
|
-0.06% |
0.53%
+2.5% YoY
|
1.02%
+6.4% YoY
|
0.66%
+5.2% YoY
|
78% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
23.2%
+0.5pp YoY -0.3pp QoQ |
+1.9pp | 21.4% | 27.7% | 22.2% | 65% |
| Brokered Deposits | n/a | n/a | 9.5% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
26.8%
+4.5pp YoY +0.8pp QoQ |
+12.8pp | 14.0% | 12.9% | 12.5% | 89% |
| CRE |
55.8%
-6.0pp YoY -0.1pp QoQ |
+5.8pp | 50.0% | 50.6% | 41.4% | 66% |
| 1-4 Family |
16.7%
+0.9pp YoY -0.5pp QoQ |
-9.7pp | 26.4% | 30.7% | 31.3% | 35% |
| Consumer |
1.3%
-0.3pp YoY 0.0pp QoQ |
-3.4pp | 4.7% | 3.7% | 5.0% | 52% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.2%
+0.4pp YoY -0.4pp QoQ |
-0.4pp | 15.6% | 19.8% | 19.7% | 72% |
| Leverage Ratio |
10.0%
+0.4pp YoY +0.1pp QoQ |
-1.3pp | 11.3% | 13.9% | 12.6% | 35% |
| Total Capital Ratio |
16.5%
+0.3pp YoY -0.4pp QoQ |
-0.2pp | 16.7% | 21.1% | 20.8% | 73% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
121
-2 (-1.6%) YoY 0 QoQ |
-193 | 313 | 295 | 482 | 13% |
| Assets per Employee ($) |
$11.7M
+1.2% YoY +0.3% QoQ |
+$1.2M | $10.5M | $10.3M | $8.8M | 76% |
| Branch Count |
5
0 YoY 0 QoQ |
-15 | 20 | 13 | 18 | 12% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.3% | 0.4% | n/a |
| Nonaccrual | 0.0% | -0.8pp | 0.8% | 0.7% | 1.0% | 1% |
| Allowance Coverage | 133.19x | +114.48x | 18.71x | 16.62x | 20.23x | 99% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.2% | 0.2% | 38% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.0%
+2.5pp YoY -0.2pp QoQ |
-5.6pp | 12.6% | 9.3% | 11.6% | 15% |
| Cost of Funds (YTD) |
2.1%
-0.3pp YoY 0.0pp QoQ |
+0.2pp | 1.9% | 1.8% | 1.7% | 67% |
| Net Income ($, YTD) |
$4.7M
+68.1% YoY — QoQ |
-$14.5M | $19.2M | $25.2M | $40.4M | 10% |
Get Full Access to Grove Bank & Trust
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.